Financing options
The kinds of business financing you may be able to compare
Every business is different. Depending on your profile and the providers in our network, one or more of these types of financing may be relevant. Availability, products, and terms are always set by the provider.
Potential options through participating providers may include:
Every business is different. Select an option below to see what it typically covers. Depending on your profile and the providers in our network, one or more may be relevant.
Working capital
Flexible funding to cover everyday operating needs and short-term gaps.
Often used for general operating cash rather than one specific purchase, so it can flex to whatever comes up next in the business.
Options shown are illustrative of what participating providers may offer. Availability, products, costs, and terms are determined by the provider and vary by business and state. A revenue purchase or merchant cash advance is not a loan.
Funding for wherever your business is headed
Business owners use financing for all kinds of reasons. Tell us yours, and we’ll look for providers whose products may fit.
Working capital
Cover day-to-day operating costs and smooth out cash flow.
Equipment
Purchase, upgrade, or repair the equipment your business runs on.
Inventory
Stock up ahead of demand or take advantage of bulk pricing.
Payroll & hiring
Keep your team paid and bring on the people you need.
Expansion & renovations
Open a location, renovate a space, or grow into new markets.
Seasonal & cash-flow needs
Bridge seasonal swings, receivables gaps, and timing mismatches.
Not every use is available from every provider. Availability depends on the participating provider, your business profile, and your state.
See your options side by side, in plain language
When more than one real offer is available, we line up the details that matter so you can compare like-for-like. No jargon, no pressure, no default “best.” You decide what fits.
- Funding amount & net proceeds
- Estimated total repayment
- Payment amount & frequency
- Term, fees & prepayment
- Estimated funding time
| Option A | Option B | Option C | |
|---|---|---|---|
| Funding amount | $50,000 | $50,000 | $40,000 |
| Net proceeds | $48,500 | $49,000 | $40,000 |
| Est. total repayment | $58,200 | $61,500 | $47,600 |
| Payment | $1,110 | $960 | $305 |
| Payment frequency | Weekly | Weekly | Daily |
| Term | 12 months | 15 months | 10 months |
| Est. funding time | 2–4 days | 3–5 days | 1–2 days |
Illustrative comparison only. Not an actual financing offer.
For illustration only. Figures are examples of the details a comparison may include, not quotes, offers, or predictions. Actual amounts, costs, and terms are set by the participating providers and are subject to their approval and disclosures.
Ready to explore your potential funding options?
One short inquiry. No cost, no obligation, and a real specialist to help you make sense of what’s available.
- No cost to use Sunny Financing
- No obligation, you decide whether to proceed
- A short inquiry, not a full application
Any credit check is the decision of each participating provider, who should explain whether and when a soft or hard inquiry may occur before you proceed.